Category: Insurance

If the words “open enrollment” give you heartburn, read on. We’re here to make signing up for health insurance something that you can not only survive, but feel good about! What is open enrollment? Open enrollment is a time for people to sign up for a health insurance plan if: They won’t have insurance through […]

It was recently brought to our attention, when a car smashed into the back of Leo and Chris’s rental car in Hawaii, that some states operate much differently than Washington when it comes to auto insurance and accidents. States like Hawaii operate as “no-fault” states, meaning that drivers have insurance to cover their own injuries […]

You’re finally in a place where you can make those renovations you’ve dreamt of since you bought the house – the updated kitchen, the addition, the Back Deck 2.0 – but before you get started (or before you go any further, if we caught you red-handed), it’s important to contact us about your homeowner’s insurance! […]

Most people, thankfully, don’t have a lot of experience with getting in car accidents. The very nature of an “accident” means it’s unplanned and unexpected, which means it’s easy to get flustered at the scene and forget to take care of things that will help you with your insurance claim. That’s why we made this […]

If you own a home, you’ve probably noticed that homeowners insurance premiums seem to be higher in areas like the San Juan Islands than they are in larger towns or cities. But why? Well, it’s due in great part to something called fire protection classification. What is fire protection classification? Basically, fire protection classification is […]

For most adults, Medicare is one of those things you don’t pay much mind to until your 65th birthday creeps around the corner and you suddenly realize: you don’t know a thing about it! Signing up for a Medicare plan and choosing coverage options is an important and complex decision, and we highly recommend seeking […]

It’s wildfire season, and we’ve been living in a smoky haze for the past few days. It got us to thinking about some of the fire claims we’ve seen in the past – buildings being burned to the ground by rodents, for example – and we wanted to find out what kinds of everyday items […]

It’s always a bit of a leap of faith when you trust someone to live in a building you own, but it doesn’t have to be a financial risk. Being a landlord comes with a host of responsibilities and worries – from screening potential tenants, to orchestrating repairs and maintenance – so why would you […]

For special items that might exceed the personal property coverage limits of your homeowners, renters, or condo policy, it’s important to ensure adequate coverage with scheduled personal property (SPP), also known as an insurance “rider” or “endorsement.” What is it? A standard homeowners, renters, or condo policy (which we’ll simply refer to as a “home policy” […]

It happens when you least expect it – the sudden CRACK of a rock ricocheting off of your windshield. Whether it’s a fixable chip or a crack that spreads from end to end, it usually means a trip to the auto glass shop, which can cost hundreds of dollars. If you’ve got the minimum required […]